More affordable personal loans
to help build your credit history.†
Applying does NOT affect your FICO® credit score!2
No Credit Check Online Loans
with OppLoans
What is a No Credit Check Loan?
A No Credit Check Loan is typically a type of loan in which a lender determines the “creditworthiness” of a potential borrower without conducting a hard credit check.
This can be appealing to potential borrowers who are concerned about the condition of their bad credit or credit history. A “no credit check loan” may seem like a good fast cash option but there are always risks. Educating yourself is the best way to make the right borrowing decision for you.
How do No Credit Check Loans work?
So how can you borrow money without a credit check? You might find yourself considering a no credit check loan. A no credit check loan could be one of several different products, and some are better than others, so you’ll want to do your research before signing any contract.
OppLoans offers short term personal loans with no hard credit checks by assessing a borrower’s creditworthiness by looking at:
- employment status
- income details
- bank account
- financial history
Build Credit History.†
Better Service. Fast Funding.1
Head to our Rates & Terms page to learn more.
Common Questions
What will my interest rate be?
Rates offered through OppLoans range from 99–199% APR. Products offered through OppLoans have different rates and terms depending on the state where you live.
You can see a state-by-state breakdown of loan rates and terms here.
How is this different than payday5 loans?
Payday loans are short term, high cost, low value loans. OppLoans installment loans come with longer terms, lower rates, and higher principals.
Here’s a quick snapshot to explain the differences:
| OppLoans4 | Payday Loans | |
|---|---|---|
| Loan amount | $500 – $4,000 | $350 |
| APR | 99 – 199% | 339%+ |
| Term | Up to 24 months in some states | 14 days |
| Ability to build credit history† | √ | X |
| No collateral needed | √ | X |
How fast will I get my money?
If you submit your loan application and it is processed and approved before 7:30 p.m. ET Monday-Friday are typically funded the next business day.